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昌吉翻譯公司關鍵字：credit guarantee companies to break through.3.1 procedures are complexIn accordance with the provisions of the existing banks, lenders must provide a valid identity documents and residence booklet, proof of monthly income, property that the individual assets and income under the name of proof, if you choose credit guarantee, the guarantor must provide the identity, account book, proof of income and housing certificate. Some also provide a marriage certificate, enterprises, institutions and organs and units of work permits, permit civil servants, private sector business license, tax documents, etc.At present, only security company to provide the applicant's residence booklet, ID card, valid proof of residence and proof of income.In general, customers applying for the loan to the bank, the banks, insurance companies typically spend a few days of customer credit investigation, audit, plus a license for the new car, mortgage registration time required for the down payment from customers models to provide cars often have to wait ten days.However, in the form of guarantee companies through home visits, as long as the lender can identify a stable income, have repayment ability, no bad credit history, we can guarantee that within three days to allow customers to vehicles.When applying for auto loans, credit guarantees in the absence of a professional company, the consumer bank in the case of third-party guarantees, but also to insurance companies and thousands of more than million loan guarantee insurance, in order to obtain bank loans but professional car credit guarantee company does not need to provide a guarantor, consumers do not buy insurance, loan guarantees, and loan interest rates than bank loans directly to low 10%.China car sales market, auto loans, the four main modes: Bank + dealers + insurance companies, banks + insurance companies, banks + dealers and banks directly to customers. Under normal circumstances, most of China's auto loans, insurance, and banking bundling, consumers car loans to banks, the banks to avoid risks, requires that consumers must purchase a car loan to insurance companies, insurance, or when consumers could not afford defaulted loans, the risk will be passed on to the insurance companies. However, the insurance company pay for the moral hazard when the amount exceeds the amount of advance, and would have to opt out of the operation to break the old chain. Prior to exit the insurance company, mainly due to a huge
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